Weekly Published Article

1/25/20 - January 2020 Question of the Month

“I will turn 71 in February of this year and am still working.  I have an IRA and a 401(k) plan through my current employer.  Since I am still working, I don’t need the money from the required minimum distributions.  With the Secure Act changing the age limit to 72 for required minimum distributions, do I not need to take my RMD for this year now?  Also, with the change in the law, am I able to contribute to my IRA now for both last year and this year? Thank you.” Ronald.

1/18/20 - How Will the New Secure Act Law Affect Your Retirement Plan?


One of the key elements of a successful retirement plan is adjusting and adapting your plan each year to keep up with changes.  Every year there are changes to retirement-related rules and laws, plan guideline updates and market changes. There are also tax law changes, and many people are still trying to figure out how to adjust and adapt properly to the major tax law code that went into effect two years ago.


1/11/20 - New Year Brings New Rules and Laws

We are into a new year, and as always a new year brings new rules, laws, retirement contribution guidelines, etc.  This year is no exception, especially with the passing of the Secure Act on January 1st.  To keep your retirement and estate planning up to date, accurate and finely tuned, you have to get yourself informed and educated on all these changes.

1/4/20 - New Year’s Resolutions for Your Retirement Plan?


At the beginning of every year, people tend to evaluate their lives and determine what needs to be improved in the upcoming year.  This is a good idea, and it needs to be done with your retirement plan as well.  Simply put, our financial world has severely changed over the last decade and continues to change.  There are a lot of issues, concerns and changes going into 2020.  With all these issues, and more on the forefront of people’s minds this year, it is no surprise there will be a lot of New Year’s resolutions in 2020 that are financially related.?


12/20/19 - Hayes Advisory Group Wishes You A Merry Christmas

Dear Clients and Friends:


Each year during the holiday season, we take great pleasure in setting aside our regular work and sending a heartfelt message to all of you. How joyful we are that the time has come again to extend to you our sincere gratitude because it is good friends and clients like you that make our business possible.

12/14/19 - Do You Have the RMDs?


Part of getting older in life means dealing with ailments, sicknesses and injuries.  Fortunately, some of these are treatable and curable.  The same can be said for your pre-taxed retirement account.  If you own one of these accounts, you will be getting the RMDs at some point.  So, can you get rid of them?


12/7/19 - Are Your Gifts Valuable?

With the cold weather, all the holiday decorations out at the stores, and the Christmas music on the radio, we are now in the Christmas and holiday gift-giving season.  So let me ask you – are the gifts you give meaningful, and do they provide value for a long period of time?  It is December, and that means the gift-giving season is now officially here.  Over the next several weeks many gifts will be given and received.  The problem with this, however, is that each year many gifts are given, received and forgotten about soon after with no real meaning or lifetime value.  This truly is a shame.  Fortunately though, it does not have to be this way. 

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.  BCM and Hayes Advisory Group are independent of each other.  Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.  


The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Information provided is not intended as tax or legal advice, and should not be relied on as such.  You are encouraged to seek tax or legal advice from an independent professional.  


Lou Holtz was a paid speaker and his presentation and presence on this website should not be construed as an endorsement of services.

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